324 Central Ave, Lockland (Cincinnati), OH 45215 Property Records

Hamilton County property record for 324 Central Ave, Lockland, OH 45215

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,567 sqft · built 1905
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jun 2023)
Tax Bill	$4,272 (2025)
Deeds & Mortgages	May 2023 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`641-0014-0276-00`

Property Details

APN / Parcel Number

Primary APN	`641-0014-0276-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,567 sqft Finished Area
1st Floor Area	1,479 sqft
2nd Floor Area	1,088 sqft
Basement Area	448 sqft

Exterior

Year Built	Built 1905
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	118 ft deep x 50 ft wide
Porch	Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	324 CENTRAL AVE
City	LOCKLAND
State	OH
Zip	45215-4635
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CENTRAL AVE 50 X 118 IRR PT LOT 37 CONKLINS SUB
Legal Subdivision	CONKLINS SUB
Legal Lot Number	37
Jurisdiction	HAMILTON OH
Township / Civil Division	LOCKLAND
Census Block Group	2
Census Block	2019
Census Tract	27400

Owner

324 Central Ave, a duplex, is owned and occupied by an individual who bought it in June 2023.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	324 CENTRAL AVE # 326, 326, LOCKLAND, OH 45215-4635
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage DAVID J OVERBECK
Jun 7, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
May 3, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2023 · Amount on File
Deed Sale	Jun 7, 2023 · Amount on File
Prior Sale	May 3, 2023 · Amount on File
Deed Document Number	0000038636
Deed Book / Page	14932 / 1462
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	324 CENTRAL AVE, LOCKLAND, OH 45215-4635
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ACS TITLE AGENCY INC, CS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032266
Date	May 15, 2023
Book Page	14916/498
Instrument	2023-0032266

Lender

Name	DAVID J OVERBECK
Type	Private Party
Address	4364 BOOMER RD, CINCINNATI, OH 45247

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 7, 2023
Property Address	324 CENTRAL AVE, LOCKLAND, OH 45215-4635
Document Number	0000038636
Book / Page	14932 / 1462
Map Reference	MB 3 PG 162
Instrument Date	May 31, 2023
Instrument	2023-0038636
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	324 CENTRAL AVE # 326, 326, LOCKLAND, OH 45215-4635

Mortgage

Document Number	0000038637
Date	Jun 7, 2023
Instrument	2023-0038637

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 3, 2023
Property Address	324 CENTRAL AVE, LOCKLAND, OH 45215-4635
Document Number	0000029401
Book / Page	14908 / 287
Map Reference	MB 3 PG 162
Instrument Date	Apr 20, 2023
Instrument	2023-0029401
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 324 Central Ave was $4,272, down 0.6% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Lockland Village
Unified School District	Lockland Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,272.00 (-0.63%)	$77,000 (-) Land $3,461 Building $73,539
2024	$4,299.00 (+304.8%)	$77,000 (+313.6%) Land $3,461 Building $73,539
2023	$1,062.00 (-6.84%)	$18,617 (+21.8%) Land $3,462 Building $15,155	$220,000 Land $9,890 Building $210,110
2022	$1,140.00	$15,285 Land $3,042 Building $12,243
2020			$43,670 Land $8,690 Building $34,980

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 324 Central Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 324 Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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